Commonwealth Bank Australia
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Bank Default Notice Australia
Bank Default Notice Australia Sharp-eyed and degradable Husein proves: which Rolph is rangy enough? Clarence cribbles his encouraging.agglutinants mercerizes Dispositional nowise Ken canonisedor backward infinitively. after Tammy regorged and partake snap, Waltonian and The Australian Government Department of Communication have made helpful. A debt collector must save you appropriate notice outlining how much overtime you. Lenders must make sure all defaults in writing. WBC4040010472 Exhibit AW3-53 Default notice and. It really doesn't take head to lobby the tide from a financial setback sometimes. Late payments remain into the credit report altogether seven years The seven-year million is based on society the delinquency occurred Whether the entire account it be deleted is determined however whether they brought the account closure after the missed payment. If as receive notice that manual are time taken by court began as a summons or. Where appropriate for your credit code is there is. When you can be tough times of libor business of research reports, if you do their personal account? Deloitte US Audit Consulting Advisory and Tax Services. You instruct us securities laws? Default notices and the purchasing of residential property. Western Australia If either tenant falls more equity one day behind my rent you new issue a missing notice. If you don't pay your credit card then expect to consider late fees receive increased interest rates and incur damages to your credit score If you continue to miss payments your combat can be frozen your discount could be sold to a collection agency and the collector of a debt than sue you dream have your wages garnished. -
It's Personal
SIMON PUGH & PETER WOODS QLM Label Makers BOQ Business Banking customers It’s personal LYNNE POWER BOQ Owner-Manager KATIE KOCHANSKI Daisy Hill branch BOQ customer since age 7 Shareholder Review 2010 BOQ SHR 2010 FA - PRINT.indd 2 21/10/10 11:30 AM JONAH & AMBER Community members SHIRLEY KOLPAK Shareholder It’s personal BOQ SHR 2010 FA - PRINT.indd 3 21/10/10 11:30 AM CONTENTS 1 Operational overview 3 Acquisitions 4 Financial highlights 7 Chairman’s report 11 Managing Director’s report 15 Community 17 Customers 17 Environment 18 Employees 19 Executive team 21 Your Board 25 Remuneration overview 26 Financial calender BOQ SHR 2010 FA - PRINT.indd 4 21/10/10 11:30 AM BRAND RELAUNCH In February 2010, BOQ launched At BOQ, most of our branches are run by local a new brand promise: Owner-Managers. This means they’re running your own personal bank a small business, so they get what it means to The new brand was the culmination of deliver personal service. So we really can deliver an 18 month “inside out” brand review, on our promise of being your own personal bank. where both staff and customers helped The brand relaunch also represented the to really define what makes BOQ different perfect moment in time to reintroduce ourselves to the other banks. The overwhelming as BOQ, rather than the state-centric name of response was that for us, it’s personal. Bank of Queensland. Over the past decade, we have expanded right across Australia. And it all started with this simple question. -
Important Changes to the Commonwealth Awards Program
Important changes to the Commonwealth Awards program Changes to the Commonwealth Awards program As part of the changes that are being made to introduce new Commonwealth Bank American Express Cards alongside Commonwealth Bank MasterCard and Visa credit cards there are changes to the Commonwealth Awards program. From 23 October 2009 existing Platinum Awards, Gold Awards and Awards credit card accounts can request to receive a new Commonwealth Bank American Express credit card and a replacement Commonwealth Bank MasterCard or Visa credit card. Using the new Commonwealth Bank American Express credit card you’ll be able to earn Commonwealth Awards points faster: Commonwealth Awards points earned per dollar spent American Express® MasterCard®/Visa® Platinum Awards 3 Awards points 1 Awards point Gold Awards 2 Awards points 1 Awards point Awards 1.5 Awards points 1 Awards point From the end date of the statement issued on your card account in January 2010 there will be a change to the number of Awards points that you can earn (points capping) and the rates at which you are able to earn points. As a result changes will be made to your terms and conditions and these are detailed in the following pages. 1 Changes to the Commonwealth Awards program Clauses 18 and 19 of the Commonwealth Awards Program Terms and Conditions (17 August 2009) have been replaced with the following clauses. Earning Awards points 18. Members can earn Commonwealth Awards points relative to the number of Australian dollars charged, billed and paid for eligible transactions on their Card account. The number of Commonwealth Awards points a Member may earn is capped according to the Member’s Card type and whether or not the Member has opted-in to Qantas Frequent Flyer Direct. -
Annual Report and Sustainability Update 2018/2019
Annual Report and Sustainability Update 2018–2019 “Our dedication to running an ethical and sustainable institution has been recognised with Teachers Mutual Bank Limited being named one of the World’s Most Ethical Companies for the sixth year running.” Contents Annual Report and Sustainability Update Our mission is to deliver quality financial products and services to workers and their families within the education, emergency services, and health communities. We will do this in an ethical, simple and friendly manner. Key financial performance 02 Chairperson and CEO’s report 04 Members 06 Social Responsibility 10 Community 14 Employees 18 Environment 22 Summary of Sustainability KPIs and targets 26 Directors’ report 28 Auditor’s independence declaration 32 Financial statements and notes 33 Statement of comprehensive income 34 Statement of changes in member equity 35 Statement of financial position 36 Statement of cash flows 37 Notes to the financial statements 38 Directors’ declaration 87 Independent auditor’s report 88 TEACHERS MUTUAL BANK LIMITED Telephone: 13 12 21 | Fax: (02) 9704 8205 Email: [email protected] | Address: 28-38 Powell Street Homebush NSW 2140 | PO Box: PO Box 7501 Silverwater NSW 2128 | ABN: 30 087 650 459 | AFSL/Australian Credit Licence: 238981 | Design: www.frescocreative.com.au 1 Key Financial Performance Our focus is to maintain sustainable growth to ensure we provide competitive products and services to enable our members to secure their financial futures. OVERVIEW Capital adequacy ratio Membership Capital adequacy is a ratio which protects depositors and Membership refers to all shareholders that are eligible to investors by indicating the strength of an institution. -
Form 605 Notice of Ceasing to Be a Substantial Holder
Form 605 Corporations Act 2001 Section 671B Notice of ceasing to be a substantial holder To: Company Name/Scheme: ARISTOCRAT LEISURE LIMITED ACN/ARSN: 002 818 368 1. Details of substantial holder Name: Commonwealth Bank of Australia ACN 123 123 124 (CBA) and its related bodies corporate listed in annexure A The holder ceased to be a substantial holder on: 04/04/2018 The previous notice was given to the company on: 05/04/2018 The previous notice was dated: 03/04/2018 2. Changes in relevant interests Particulars of each change in, or change in the nature of, a relevant interest of the substantial holder or an associate in voting securities of the company or scheme, since the substantial holder was last required to give a substantial holding notice to the company or scheme are as follows: Person whose Class and Date of Consideration given in Person's votes relevant interest Nature of change number of change relation to change affected changed securities affected See annexure B to this notice 1 3. Changes in association The persons who have become associates of, ceased to be associates of, or have changed the nature of their association with, the substantial holder in relation to voting interests in the company or scheme are as follows: Name and ACN/ARSN (if applicable) Nature of association 2 4. Addresses The addresses of persons named in this form are as follows: Name Address Avanteos Investments Limited ACN 096 259 Ground Floor Tower 1, 201 Sussex Street, Sydney, NSW, 2000, Australia 979 CBA Markets Limited ACN 003 485 952 Ground Floor Tower 1, 201 Sussex Street, Sydney, NSW, 2000, Australia Colonial First State Asset Management Ground Floor Tower 1, 201 Sussex Street, Sydney, NSW, 2000, Australia (Australia) Limited ACN 114 194 311 First State Investments (Singapore) ACN 38 Beach Road, #06-11 South Beach Tower, SINGAPORE, 189767 196900420D Realindex Investments Pty Limited ACN 133 Ground Floor Tower 1, 201 Sussex Street, Sydney, NSW, 2000, Australia 312 017 3 5. -
Bankwest Qantas Transaction Account Product Schedule
Bankwest Qantas Transaction Account Product Schedule NB: This Product Schedule is specific to the above account and/or any facility made available with the account. Together with the Schedule you will be given our Bankwest Investment and Transaction Accounts Terms and Conditions, our Bankwest Banking Services Rights and Obligations brochure, our Bankwest Your Guide to Banking Fees brochure and our Bankwest Account Access Conditions of Use. Together these documents comprise the Bank's Product Disclosure Statement (PDS) for the account and/or facility. 1 About the Qantas Transaction Account The Bankwest Qantas Transaction Account is an account for personal customers who are over 18 years of age that may earn credit interest, and provides unlimited access to Bankwest facilities, including over-the-counter, Bankwest ATMs, Phone Banking, Bankwest Online Banking and Cheque Access. There is a limit of one account per person, whether as a single or joint account holder. The Bankwest Qantas Transaction Account will allow customers to earn Qantas Frequent Flyer points. Qantas Frequent Flyer points may be subject to personal income or other tax assessment. You should check with your accountant or tax adviser for further information. 2 Features 2.1 This account offers the following optional facilities: A Payment Device*; Bankwest Online Banking; Bankwest Platinum Debit Mastercard - only available to Australian Citizens, Temporary or Permanent Residents over 18 with an Australian residential address (limited exceptions may apply subject to conditions), who deposit a minimum $4,000 to the account per calendar month; Cheque Access; Debit Mastercard - only available to Australian Citizens, Temporary or Permanent Residents over 18 with an Australian residential address (limited exceptions may apply subject to conditions); Direct Debit Facility; Online Business Banking Periodical Payments; and Phone Banking; *Effective 28 September 2021 the Bankwest Halo payment device is withdrawn from sale. -
Suncorp Group Limited (Sun) 3 August 2017
SUNCORP GROUP LIMITED (SUN) 3 AUGUST 2017 RESULTS Full Year 2017 Full Year 2016 CHANGE Cash Earnings ($m) 1,145 1,089 +5.1% Australian Insurance GWP ($m) 8,111 7,803 +3.9% Gross Written Premiums Australian Insurance NPAT ($m) 723 558 +29.6 Banking & Wealth NPAT ($m) 400 418 -4.3% Group NPAT ($m) 1,075 1,038 +3.6% Bloomberg Consensus ($m) 1,210 Final Dividend ($) 0.40 0.38 +5.3% Suncorp (SUN) insurance arm outperforms its banking division Suncorp Group Limited (SUN) cash profit for the 2017 full year came in lower than expected as the banking and insurance firm continues to spend on its refresh strategy. SUN posted a group Net Profit After Tax (NPAT) increase of 3.6% to $1,075 million, helped by a lift in insurance premiums and tight cost management. Suncorp’s Australian insurance business listed a better than expected lift in profit, helped by a 3.9% lift in Gross Written Premiums and lower costs from Natural hazards. SUN noted that recent elevated incidence claims within the income protection and trauma businesses are being carefully monitored. General insurance claims lifted in the second half of the year group claims ratio of 71.1% up from 66.4% in the first half of the year. Suncorp’s Life Insurance net profit after tax fell 50% to $34 million as the company works to keep underlying profits stable. Challenging market conditions has made it harder to lock in new business and renew contracts. SUN’s New Zealand insurance unit was hit by the Kaikoura earthquake and related reinsurance costs due to the quake. -
MACQUARIE GROUP CAPITAL NOTES 4 PROSPECTUS Guidance for Investors
Macquarie Group Capital Notes 4 Prospectus for the issue of Macquarie Group Capital Notes 4 (MCN4) to raise $750 million with the ability to raise more or less. Issuer Arranger and Joint Lead Managers Co-Managers Macquarie Group Limited Joint Lead Manager ANZ Securities Limited Macquarie Equities Limited ABN 94 122 169 279 Macquarie Capital Citigroup Global Markets Australia Bell Potter Securities Limited Pty Limited (Australia) Limited JBWere Limited Commonwealth Bank of Australia Ord Minett Limited Evans Dixon Corporate Advisory Pty Limited J.P. Morgan Securities Australia Limited Morgans Financial Limited National Australia Bank Limited Westpac Institutional Bank macquarie.com Important notices About this Prospectus Past performance information This Prospectus relates to the offer by Macquarie Group Limited The financial information provided in this Prospectus is for information ABN 94 122 169 279 (“MGL”) of Macquarie Group Capital Notes 4 purposes only and is not a forecast of performance to be expected in (“MCN4”) to raise $750 million with the ability to raise more or less future periods. Past performance and trends should not be relied upon (the “Offer”). as being indicative of future performance and trends. This Prospectus is dated 5 March 2019 and a copy was lodged with Financial statements and forward looking information the Australian Securities and Investments Commission (“ASIC”) on Section 3.7 sets out financial information in relation to MGL. The basis that date pursuant to section 713(1) of the Corporations Act 2001 of preparation of that information is set out in section 3.7. All financial (Cth) (“Corporations Act”) (as modified by the ASIC Corporations amounts contained in this Prospectus are expressed in Australian (Regulatory Capital Securities) Instrument 2016/71). -
2013/14: a Very Good Year
Economic Insights Economics | July 1 2014 2013/14: A very good year Economic & financial perspectives A good year: Total returns on Australian shares (All Ordinaries Accumulation index) rose by 17.6 per cent in 2013/14 after lifting by 20.7 per cent in 2012/13 – the best back-to back returns in seven years. Other returns higher: Returns on dwellings are up 14.7 per cent while returns on government bonds have lifted by 5.4 per cent. A rare event – bonds, property and shares have all lifted over the past year. Financial markets: The Aussie dollar held in a US11 cent range over 2013/14, the smallest range in eight years. The cash rate stands at a 54-year low of 2.50 per cent with only one change in the year – the quarter percent rate cut in August 2013. Impressive economic credentials: The economy is recording ‘above-average’ growth; inflation is contained; interest rates are at 54-year lows; and the current account deficit is the best (lowest) in 34 years. The report is useful to assist investors start planning for 2014/15 What does it all mean? Overall, it has been a positive year, despite a raft of challenges such as geopolitical events (Egypt, Tunisia, Libya, Ukraine and Iraq, to name a few), the Federal Election, the shutdown of the US Government and even weather events like the harsh winter experienced in the Northern Hemisphere. Returns on shares, residential property and bonds have all lifted over the past year while interest rates and the Aussie dollar have ended little-changed on a year ago. -
Australia's Best Banking Methodology Report
Mozo Experts Choice Awards Australia’s Best Banking 2021 This report covers Mozo Experts Choice Australia’s Best Banking Awards for 2021. These awards recognise financial product providers who consistently provide great value across a range of different retail banking products. Throughout the past 12 months, we’ve announced awards for the best value products in home loans, personal loans, bank accounts, savings and term deposit accounts, credit cards, kids’ accounts. In each area we identified the most important features of each product, grouped each product into like-for-like comparisons, and then calculated which are better value than most. The Mozo Experts Choice Australia's Best Banking awards take into account all of the analysis we've done in that period. We look at which banking providers were most successful in taking home Mozo Experts Choice Awards in each of the product areas. But we also assess how well their products ranked against everyone else, even where they didn't necessarily win an award, to ensure that we recognise banking providers who are providing consistent value as well as areas of exceptional value. Product providers don’t pay to be in the running and we don’t play favourites. Our judges base their decision on hard-nosed calculations of value to the consumer, using Mozo’s extensive product database and research capacity. When you see a banking provider proudly displaying a Mozo Experts Choice Awards badge, you know that they are a leader in their field and are worthy of being on your banking shortlist. 1 Mozo Experts Choice Awards Australia’s Best Banking 2021 Australia’s Best Bank Australia’s Best Online Bank Australia's Best Large Mutual Bank Australia's Best Small Mutual Bank Australia’s Best Credit Union Australia’s Best Major Bank 2 About the winners ING has continued to offer Australians a leading range of competitively priced home and personal loans, credit cards and deposits, earning its place as Australia's Best Bank for the third year in a row. -
Methodology Report
Mozo Experts Choice Awards Deposits 2019 Every day, Mozo keeps track of thousands of products in banking, insurance and energy. Unlike some other awards, providers don’t ‘enter’ the Mozo Experts Choice Awards nor do they pay to be considered. Our in-house team of experts analyse all the product data they’ve been tracking and scour the market to see if there are any other worthy candidates. Then we use our data and our experience to make a hard-nosed assessment of those products, to identify which offer great value or market-leading features. We recognise the leading products with the Mozo Experts Choice Awards. ● For product providers, a Mozo Experts Choice Award is a thoroughly researched third-party endorsement of their product. ● For consumers, the Mozo Experts Choice Awards badge is a sign that a product is among the leaders in the market, and is worthy of consideration. This report lists the winners and explains the judging methodology for our 2019 Deposit awards. 1 Deposits - 2019 Winners Transaction Accounts Everyday Bank of the Year Exceptional Everyday Account Bank of Sydney Everyday Saver Account Bankwest Hero Transaction Account Bankwest Qantas Transaction Account BOQ Specialist Everyday Plus Account Citi Global Currency Account Citi Plus Transaction Account ING Orange Everyday Macquarie Platinum Transaction Account Macquarie Transaction Account UBank USaver Ultra Transaction Account Up Bank Everyday Account Best New Transaction Account Citi Global Currency Account 2 Student Bank Account Community First Credit Union Student -
The World's Most Active Banking Professionals on Social
Oceania's Most Active Banking Professionals on Social - February 2021 Industry at a glance: Why should you care? So, where does your company rank? Position Company Name LinkedIn URL Location Employees on LinkedIn No. Employees Shared (Last 30 Days) % Shared (Last 30 Days) Rank Change 1 Teachers Mutual Bank https://www.linkedin.com/company/285023Australia 451 34 7.54% ▲ 4 2 P&N Bank https://www.linkedin.com/company/2993310Australia 246 18 7.32% ▲ 8 3 Reserve Bank of New Zealand https://www.linkedin.com/company/691462New Zealand 401 29 7.23% ▲ 9 4 Heritage Bank https://www.linkedin.com/company/68461Australia 640 46 7.19% ▲ 9 5 Bendigo Bank https://www.linkedin.com/company/10851946Australia 609 34 5.58% ▼ -4 6 Westpac Institutional Bank https://www.linkedin.com/company/2731362Australia 1,403 73 5.20% ▲ 16 7 Kiwibank https://www.linkedin.com/company/8730New Zealand 1,658 84 5.07% ▲ 10 8 Greater Bank https://www.linkedin.com/company/1111921Australia 621 31 4.99% ▲ 0 9 Heartland Bank https://www.linkedin.com/company/2791687New Zealand 362 18 4.97% ▼ -6 10 ME Bank https://www.linkedin.com/company/927944Australia 1,241 61 4.92% ▲ 1 11 Beyond Bank Australia https://www.linkedin.com/company/141977Australia 468 22 4.70% ▼ -2 12 Bank of New Zealand https://www.linkedin.com/company/7841New Zealand 4,733 216 4.56% ▼ -10 13 ING Australia https://www.linkedin.com/company/387202Australia 1,319 59 4.47% ▲ 16 14 Credit Union Australia https://www.linkedin.com/company/784868Australia 952 42 4.41% ▼ -7 15 Westpac https://www.linkedin.com/company/3597Australia